Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$258,136Cash toward the purchase price.
Closing costs + prepaids$19,169Not just lender fees.
Before credits & paid funds$277,305The complete starting cash picture.
Estimated remaining funds due at closing
$277,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,136.30
Your down payment$258,136.30
Closing costs + prepaids$19,168.70
Total buyer cash needed$277,305.00
Remaining funds due$277,305.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$7,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,708.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$418.25
Prepaid interest, first (19 days)$1,824.63
Fees + prepaids$19,168.70
Your down payment is the seller’s equity. You take over the $541,764 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $277,305.00 is due at closing. Uses and sources reconcile at $819,068.70 each. Not a Closing Disclosure.